NASDAQ:CZNC Citizens & Northern (CZNC) Stock Price, News & Analysis $18.41 -0.61 (-3.21%) Closing price 08/1/2025 04:00 PM EasternExtended Trading$18.43 +0.02 (+0.14%) As of 08/1/2025 04:10 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock About Citizens & Northern Stock (NASDAQ:CZNC) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get Citizens & Northern alerts:Sign Up Key Stats Today's Range$18.41▼$18.9550-Day Range$18.07▼$20.2252-Week Range$17.25▼$22.68Volume45,033 shsAverage Volume26,528 shsMarket Capitalization$285.17 millionP/E Ratio10.52Dividend Yield6.08%Price TargetN/AConsensus RatingHold Company Overview Citizens & Northern Corp. is a holding company, which engages in community banking. It provides a full range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York State. The firm's lending products include mortgage loans, commercial loans, and consumer loans. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposit. The company was founded in 1864 and is headquartered in Wellsboro, PA. Read More Citizens & Northern Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks39th Percentile Overall ScoreCZNC MarketRank™: Citizens & Northern scored higher than 39% of companies evaluated by MarketBeat, and ranked 656th out of 919 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's OpinionN/AAnalyst RatingN/A Consensus RatingThere is not enough analysis data for Citizens & Northern.Read more about Citizens & Northern's stock forecast and price target. Earnings and Valuation1.9 / 5Proj. Earnings Growth5.76% Earnings GrowthEarnings for Citizens & Northern are expected to grow by 5.76% in the coming year, from $1.91 to $2.02 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Citizens & Northern is 10.52, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 28.09.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens & Northern is 10.52, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.74.Price to Book Value per Share RatioCitizens & Northern has a P/B Ratio of 1.03. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.Read more about Citizens & Northern's valuation and earnings. Short Interest2.0 / 5Short Interest LevelBearish Percentage of Shares Shorted1.69% of the float of Citizens & Northern has been sold short.Short Interest Ratio / Days to CoverCitizens & Northern has a short interest ratio ("days to cover") of 7.8.Change versus previous monthShort interest in Citizens & Northern has recently increased by 2.77%, indicating that investor sentiment is decreasing. Dividend3.3 / 5Dividend StrengthStrong Dividend LeadershipCitizens & Northern is a leading dividend payer. It pays a dividend yield of 5.89%, putting its dividend yield in the top 25% of dividend-paying stocks.Dividend GrowthCitizens & Northern does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of Citizens & Northern is 64.00%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, Citizens & Northern will have a dividend payout ratio of 55.45% next year. This indicates that Citizens & Northern will be able to sustain or increase its dividend.Read more about Citizens & Northern's dividend. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted1.69% of the float of Citizens & Northern has been sold short.Short Interest Ratio / Days to CoverCitizens & Northern has a short interest ratio ("days to cover") of 7.8.Change versus previous monthShort interest in Citizens & Northern has recently increased by 2.77%, indicating that investor sentiment is decreasing. News and Social Media0.6 / 5News Sentiment0.00 News Coverage This WeekMarketBeat has tracked 2 news articles for Citizens & Northern this week, compared to 1 article on an average week.Search Interest1 people have searched for CZNC on MarketBeat in the last 30 days. Company Ownership1.7 / 5Insider TradingAcquiring Shares Insider Buying vs. Insider SellingIn the past three months, Citizens & Northern insiders have bought more of their company's stock than they have sold. Specifically, they have bought $8,865.00 in company stock and sold $0.00 in company stock.Percentage Held by InsidersOnly 4.49% of the stock of Citizens & Northern is held by insiders.Percentage Held by InstitutionsOnly 30.83% of the stock of Citizens & Northern is held by institutions.Read more about Citizens & Northern's insider trading history. Receive CZNC Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Citizens & Northern and its competitors with MarketBeat's FREE daily newsletter. Email Address CZNC Stock News HeadlinesCitizens & Northern Corporation (NASDAQ:CZNC) Pays A US$0.28 Dividend In Just Three DaysJuly 31 at 5:48 PM | finance.yahoo.comUndiscovered Gems In The US Market 3 Small Caps With Promising PotentialJuly 18, 2025 | finance.yahoo.comThis Social Security Shift Could Boost Benefits by 400%If you currently collect Social Security—or plan to in the future—this may be one of the most important updates you'll ever see. A new initiative, linked to President Trump's Executive Order #14196, has the potential to do more than just protect Social Security from collapse... According to renowned investor Louis Navellier, it could increase benefits by as much as 400%.August 2 at 2:00 AM | InvestorPlace (Ad)Citizens & Northern director Pellegrino buys $4k in sharesJuly 8, 2025 | investing.comCZNC - Citizens & Northern Corp Dividends - MorningstarJune 27, 2025 | morningstar.comMDirector Makes Noteworthy Investment in Citizens & Northern Stock!May 20, 2025 | tipranks.comCitizens & Northern Corporation and Susquehanna Community Financial, Inc. Announce Merger AgreementMay 14, 2025 | nasdaq.comCitizens & Northern to acquire Susquehanna in an all-stock deal valued at $44.3MMay 12, 2025 | msn.comSee More Headlines CZNC Stock Analysis - Frequently Asked Questions How have CZNC shares performed this year? Citizens & Northern's stock was trading at $18.60 at the start of the year. Since then, CZNC shares have decreased by 1.0% and is now trading at $18.41. How were Citizens & Northern's earnings last quarter? Citizens & Northern Corp (NASDAQ:CZNC) posted its quarterly earnings results on Wednesday, April, 23rd. The financial services provider reported $0.41 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.44 by $0.03. The financial services provider earned $27.19 million during the quarter, compared to analyst estimates of $28.30 million. Citizens & Northern had a net margin of 16.92% and a trailing twelve-month return on equity of 9.80%. Who are Citizens & Northern's major shareholders? Citizens & Northern's top institutional shareholders include Citizens & Northern Corp (2.09%), IVC Wealth Advisors LLC (0.43%) and ST Germain D J Co. Inc. (0.01%). Insiders that own company stock include Frank G Pellegrino, Leo F Lambert, Terry L Lehman, Bobbi J Kilmer, Katherine W Shattuck, Robert G Loughery, Tracy Ellen Watkins and Helen S Santiago. View institutional ownership trends. How do I buy shares of Citizens & Northern? Shares of CZNC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of Citizens & Northern own? Based on aggregate information from My MarketBeat watchlists, some other companies that Citizens & Northern investors own include NVIDIA (NVDA), Tesla (TSLA), Advanced Micro Devices (AMD), Meta Platforms (META), JPMorgan Chase & Co. (JPM), Netflix (NFLX) and Home Depot (HD). Company Calendar Last Earnings4/23/2025Ex-Dividend for 5/15 Dividend5/02/2025Record date for 5/15 Dividend5/04/2025Dividend Payable5/15/2025Today8/02/2025Record date for 8/15 Dividend8/04/2025Ex-Dividend for 8/15 Dividend8/04/2025Next Earnings (Estimated)8/06/2025Dividend Payable8/15/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry BANKS - NORTHEAST Sub-IndustryRegional Banks Current SymbolNASDAQ:CZNC CIK810958 Webwww.cnbankpa.com Phone(570) 724-3411Fax570-724-6395Employees410Year Founded1864Profitability EPS (Trailing Twelve Months)$1.75 Trailing P/E Ratio10.52 Forward P/E Ratio9.64 P/E GrowthN/ANet Income$25.96 million Net Margins16.92% Pretax Margin20.83% Return on Equity9.80% Return on Assets1.03% Debt Debt-to-Equity Ratio0.69 Current Ratio0.94 Quick Ratio0.94 Sales & Book Value Annual Sales$157.29 million Price / Sales1.81 Cash Flow$1.85 per share Price / Cash Flow9.93 Book Value$17.86 per share Price / Book1.03Miscellaneous Outstanding Shares15,490,000Free Float14,799,000Market Cap$285.17 million OptionableOptionable Beta0.55 Social Links The 10 Best AI Stocks to Own in 2025Wondering where to start (or end) with AI stocks? 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